Lower your mortgage loan payment
Need to refinance in this tough market? You have more options than you might think. Talk to a CU SoCal Mortgage Loan Originator today so we can learn about your big picture and what you're trying to achieve. Call us at 800.698.7196 and let's discuss how CU SoCal can help you meet your financial needs with a refinanced mortgage.
Rates
View All RatesThe payment amount displayed by this calculator is an estimate only and not an actual loan payment.
Key Advantages
Jumbo financing for your dream home
We have your financing covered no matter how large your current mortgage is. Get financing up to $3 million for just about any size home or property.
Low lender fees
Saving you as much as $400 over other lenders, our low, flat origination fee is another example of how CU SoCal brings affordability to the mortgage process. As a not-for-profit credit union, we are committed to saving you money during your homebuying journey.
5/5 adjustable-rate mortgage
Get an adjustable-rate mortgage with a low, fixed rate for the first five years to save you even more money. After that, the rate adjusts every five years by a small percentage according to market changes.
Learn More
Interest only adjustable-rate mortgage
Skip the principal and make only interest payments for the initial period of the loan for a low monthly payment. Interest only ARMs are a rare find in the current market!
Learn MoreMaximize your mortgage savings
If you need to refinance in this tough market, know that you still have options. Speak to a CU SoCal Mortgage Loan Originator to learn how we can help. Call us at 800.698.7196.
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- The rates, fees, and APRs listed are our best rates. The information provided assumes the purpose of the loan is to purchase a primary residence, single-family dwelling in California with a LTV below 60% or for a no-cashout refinance.. The rate-lock period is 45 days and the assumed credit score is 720. Your costs may be higher depending on credit history, underwriting criteria, and loan amount. The rates and terms above are subject to change without notice. The index for 5/1 ARM and 7/1 ARM loans is One-Year CMT. The index for 5/5 ARM loans is Five-Year CMT. CU SoCal mortgages are available for CA and AZ properties only. The rates and terms above are subject to change without notice. Payment examples do not include the cost of property taxes and insurance, so the actual obligation will be greater.
Credit Union of Southern California NMLS #454788
The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s Web site (www.consumerfinance.gov/hmda).
Adjustable Rate Mortgages
| Product | Rate | Margin | Points | Caps | APR* | Est. payment per $1,000 |
|---|---|---|---|---|---|---|
|
Product:
5/1 ARM |
Rate:
5.625% |
Margin:
2.500% |
Points: 0 |
Caps:
2/2/6 |
APR* :
5.669% |
Est. payment per $1,000:
$5.76 |
|
Product:
7/1 ARM |
Rate:
5.875% |
Margin:
2.500% |
Points: 0 |
Caps:
2/2/6 |
APR* :
5.920% |
Est. payment per $1,000:
$5.92 |
|
Product:
5/5 ARM |
Rate:
5.750% |
Margin:
2.375% |
Points: 0 |
Caps:
2/2/5 |
APR* :
5.795% |
Est. payment per $1,000:
$5.84 |
Rates Effective as of: June 6, 2026
The rates, fees, and APRs listed are our best rates. The information provided assumes the purpose of the loan is to purchase a primary residence, single-family dwelling in California with an LTV below 60% or for a no-cashout refinance. The rate-lock period is 45days, and the assumed credit score is 720. Your costs may be higher depending on credit history, underwriting criteria, and loan amount. The rates and terms above are subject to change without notice. The index for 5/1 ARM and 7/1 ARM loans is One-Year CMT. The index for 5/5 ARM loans is Five-Year CMT. CU SoCal mortgages are available for CA and AZ properties only. The rates and terms above are subject to change without notice. Payment examples do not include the cost of property taxes and insurance, so the actual obligation will be greater.
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